We believe the CGL form would respond in the same way to the dump truck situation. The primary purpose of a dump truck is to pick up and move dirt, just like the snowplow does with snow. If the injury arose out of the dumping of the dirt by the “auto” then it would be excluded.

As for whether the auto policy would respond, we think there are two exclusions under Section II A. of the BAP that would preclude coverage for the event. Exclusion 7, Handling of Property, applies to BI and PD resulting from the handling of property after it is moved from the auto to final delivery. And Exclusion 10, Completed Operations, applies to BI and PD arising out of the named insured's work after the work has been completed. Either of these exclusions might apply depending on the circumstances.

Although at first glance it appears there should be coverage through the dump truck company for the event, it seems a gap has been left and this particular loss would not be covered. You might want to seek some kind of manuscript endorsement to fill the coverage gap.